The Research Of Automobile Consumption Credit Risk Prevention And Control Strategy

Automobile industry has become the pillar industry of the national economy. With thevigorous development of the automobile consumption market, automobile consumption creditgradually has been accepted by consumers, become a common form of buying cars, thuswhich promotes the development of auto industry. Although the automobile consumptionmarket of China development quick, the automobile consumption credit macro environmentstill exist many drawbacks in our country at present, such as incomplete credit system,imperfect relevant laws and regulations, not standard of market competition, auto pricevolatility, low level of the lender moral, etc., which makes the automobile consumption creditrisk gradually shaped, which to a certain extent, restrict the development of automobileconsumer credit in China，so the strengthening of automobile consumption credit risk strategyresearch has important significance to the development of auto industry..This paper discusses the status of development of the automobile consumption credit inour country, on the basis of broad access to domestic and foreign literature, in-depth the actualinvestigation and thinking, summarizes current type of automobile consumption credit risk,combines with the current of automobile consumption credit business of commercial bankmode, through the integrated use of fuzzy comprehensive evaluation method, game theoryand markov prediction method system engineering theory and methods, the risk preventionand control strategy of automobile consumption credit is discussed.First of all, using qualitative and quantitative combination of multi-angle analysis ofautomobile consumption credit of the borrower’s risk, this paper establishes a fuzzycomprehensive evaluation method based automobile consumption credit borrower riskevaluation model, which can be realized by this model for borrower risk degree ofclassification and recognition.Secondly, based on related theory of game theory, establishes a game between consumersand commercial banks in the process of reimbursement model. By information asymmetrytheory, the three conditions that exist in the credit business process, namely the borrowerrepayment normal game, game and borrower shifts to an earlier date reimbursement bankinternal operation risk game to comb, from all aspects, from the source analysis of the mainrisk, the car consumer credit vehicle are obtained mortgage risk mainly comes from the loaninterest rate, deposit ratio, degree of cars depreciate and personal credit default penalties andother conclusions.Finally, combined with the five kinds of loan classification rules,using the markov transition matrix to future loan status and forecast and analysis on the scale of bad loans,automobile consumption credit business of commercial banks to control non-performing loanratio, provides a feasible method.